Is it possible to achieve financial well being without a plan or even a spreadsheet?

Based on the feedback I have received on HD over the years mostly directed at my failure to budget or track expenses in detail using spreadsheets, my selection of some high expense investments and to not pay much attention at all to our investments, failure to use financial or retirement planning services, retaining life insurance in retirement, beginning Social Security at FRA while working, buying cars for cash, retiring at age 67(part of my income replacement strategy), paying for our children's college and maintaining multiple bank accounts … I should be in a financial mess or at least required to a keep a close eye on our lifestyle spending. 

Neither is the case, so either we are just lucky or all the worrying, detailed analysis and planning aren’t as important as they appear - at least in every case. 

Yes, I have a good pension- the foundation of income in retirement. On the other hand, we were a one income family our entire marriage. I have never stopped saving and investing since my first job at age 18 and I did make foolish and risky financial moves like buying a vacation home with a 9-3/4 % mortgage the year before our oldest child started college. 

Is it possible to just be a tad frugal, a prudent spender, a persistent (even if inefficient), investor, not follow conventional ideas on them all and still with success?

While I don’t recommend do as I do, it is possible. KEEP CALM and CARRY ON. 

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